ARCHIVED BLOG POSTS

2008

So are the Chinese correct? Is it a bad idea to trust the government with your funds?Few of us, if any thought this would be an issue here in the free world, but here we are.Now the banks that we are bailing out are refusing to disclose how they are spendingour money!! Imagine trying to borrow...

If you are a primary caregiver for a loved one, you are well aware of the daily stress and emotional and physical impact it can have on your health. Susan learned this first hand when she and her husband, Tom, brought his Mom home to live with them. Mom suffered from dementia and had to be w...

Servicers (which are usually not the same as originators) will use a streamlined loan modification process to help eligible borrowers. The SMP applies to borrowers who have missed at least three monthly payments on their existing mortgages. To be eligible, criteria include conforming conventi...

Welcome to my blog; 'Real Dirt; Real Estate That is! Borrowers for FHA purchase transactions are required to make a 3.5% down payment. AS of Jan 2009 As a result, the maximum LTV without the upfront mortgage insurance premium will be 96.5%. The LTV, including upfront mortgage insurance, may not ...

Have you ever wanted to move to another community or downsize, but the property taxesof the new home made it non cost-effective? If you are 55 or over and live in California, you can take advantage of Proposition 60. This proposition allows you to transfer your current tax base to your new home a...

The San Jose Mercury reported this week that 1 in 7 homes in Santa Clara Valley is underwater. Yes, some people admittedly got themselves into this situation knowing full well theycouldn't afford a home, got caught up in the desire to obtain 'the American dream', or were greedy investors.But now ...

What's a trust deed? A trust deed (also called a deed of trust) isn't like the other types of Deeds; It's a version of a mortgage, commonly used in some states (California, for example). It's not used to transfer property. And if foreclosed on involves a non-judicial foreclosure. A trust deed tra...

What's a trust deed? A trust deed (also called a deed of trust) isn't like the other types of Deeds; It's a version of a mortgage, commonly used in some states (California, for example). It's not used to transfer property. And if foreclosed on involves a non-judicial foreclosure. A trust deed tra...

A joint project of Calvary Church, West Valley Community Services and Second Harvest Food Bank, the food pantry, for needy Los Gatos residents is expected to open sometime between Thanksgiving and Christmas. It will be located on Calvary's property at 16286 Los Gatos Blvd. The pantry will be ope...

I recently attended a seminar in which the speaker talked about a ritual he has with himself and his family. Every evening they sit around the dinner table and ask each other "What good did you see today?" I'd like to continue in that vein and call my blog What Good Did I See This Week? Please f...

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